Punjab & Sind Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2016 - 2020
Period Ending	Sep '25 Sep 30, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021	2016 - 2020
Interest Income on Loans	119,628	114,813	96,940	79,927	70,958	69,739	Upgrade
Interest Paid on Deposits	80,884	76,976	68,529	50,194	44,445	47,120	Upgrade
Net Interest Income	39,112	37,837	28,410	29,734	26,513	22,619	Upgrade
Net Interest Income Growth (YoY)	24.11%	33.18%	-4.45%	12.15%	17.21%	9.93%	Upgrade
Gain (Loss) on Sale of Assets	-1.98	-1.98	4.4	21.54	-1.58	-0.1	Upgrade
Gain (Loss) on Sale of Investments	3,746	3,746	113.91	-141.78	2,707	4,159	Upgrade
Other Non-Interest Income	14,837	11,932	12,096	9,520	6,889	4,877	Upgrade
Total Non-Interest Income	18,581	15,677	12,215	9,400	9,594	9,036	Upgrade
Non-Interest Income Growth (YoY)	39.99%	28.34%	29.95%	-2.02%	6.17%	0.69%	Upgrade
Revenues Before Loan Losses	57,694	53,513	40,625	39,133	36,107	31,655	Upgrade
Provision for Loan Losses	11,698	10,591	5,355	1,369	2,910	35,049	Upgrade
Revenue	45,995	42,922	35,270	37,764	33,197	-3,394	Upgrade
Revenue Growth (YoY)	25.08%	21.70%	-6.60%	13.76%	-	-	Upgrade
Salaries and Employee Benefits	21,481	20,885	19,442	15,444	14,786	16,881	Upgrade
Occupancy Expenses	3,289	3,289	3,197	3,160	2,835	2,621	Upgrade
Selling, General & Administrative	1,092	1,092	946.35	1,074	488.41	429.49	Upgrade
Other Non-Interest Expense	8,375	7,497	5,730	4,957	4,697	4,003	Upgrade
Total Non-Interest Expense	34,238	32,764	29,316	24,634	22,806	23,935	Upgrade
EBT Excluding Unusual Items	11,757	10,158	5,954	13,130	10,391	-27,329	Upgrade
Pretax Income	11,757	10,158	5,954	13,130	10,391	-27,329	Upgrade
Income Tax Expense	172.9	-	-	-	-	-	Upgrade
Net Income	11,584	10,158	5,954	13,130	10,391	-27,329	Upgrade
Net Income to Common	11,584	10,158	5,954	13,130	10,391	-27,329	Upgrade
Net Income Growth	71.68%	70.61%	-54.65%	26.37%	-	-	Upgrade
Basic Shares Outstanding	6,953	6,781	6,778	6,778	4,060	765	Upgrade
Diluted Shares Outstanding	6,953	6,781	6,778	6,778	4,060	765	Upgrade
Shares Change (YoY)	2.92%	0.05%	-	66.94%	430.52%	21.69%	Upgrade
EPS (Basic)	1.67	1.50	0.88	1.94	2.56	-35.71	Upgrade
EPS (Diluted)	1.67	1.50	0.88	1.94	2.56	-35.71	Upgrade
EPS Growth	66.82%	70.52%	-54.65%	-24.30%	-	-	Upgrade
Dividend Per Share	-	0.070	0.200	0.480	0.310	-	Upgrade
Dividend Growth	-	-65.00%	-58.33%	54.84%	-	-	Upgrade
Effective Tax Rate	1.47%	-	-	-	-	-	Upgrade

Source: S&P Global Market Intelligence. Banks template. Financial Sources.